What is a credit report

A credit report is a summary of your credit and payment activities with financial institutions and other organizations. How long have you had credit? Do you pay your bills on time? Have you missed payments? How much do you owe?

Banks, retail organizations and other institutions use this information to decide whether they should give you credit or a loan. Your credit report gives them information about your ability to repay the money you borrow.

There are two primary sources for organizations to request your credit report

Your credit report may contain the following information:

  • Your personal information, such as name, contact information, birth date, Social Insurance Number and employment information
  • Your credit history, including your record of paying bills and making debt payments on time
  • Public record information, such as registered liens for secured loans, court judgments or bankruptcies
  • Information about your bank account and history of transactions with non-sufficient funds (NSF)
  • Your involvement with collection agencies trying to collect on your debts
  • Organizations or individuals that have inquired about your credit in the past three years

The information in your credit report is used to calculate your credit score.

Important advice:

Review your credit report at least once a year. This will help you catch errors, fraud or identity theft that could affect your ability to obtain credit.

Equifax Canada
TransUnion Canada

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